Usually quest orders require bank access, but it's not required if the order doesn't require bank access. The prices are set at a flat rate (+50% if they're a long novice or intermediate), meaning naturally some quests are worth more than others to purchase. It's simply more efficient to price everything at a flat rate than have an individual price per quest. Broken Home is novice, but it's a long novice. I'd argue 4.5m is fair for a 40 minute quest.